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This is a summary of a panel discussion at the Conference on EFT and Public Policy.(1) William R. Weber, Senate Banking Committee, was the panel moderator, and the panel members were Hirsch L. Tadman, Department of Finance, Canada; Michael A. Levine, Citibank; James M. Brundy, Federal Reserve Board; and Kenneth J. Thygerson, U.S. League of Savings Associations.